Adeslas vs ASISA: Spanish Visa Health Insurance 2026

Adeslas vs ASISA: at a glance

Price: ASISA is cheaper at every published age band

ASISA Health Residents is the cheaper policy at entry level — from €42.88/month versus Adeslas from €51.67/month (€620.04/year for aged 0–44). That is approximately €9/month or €107/year at entry level. Over three years — the duration of an Adeslas contract — that difference adds up to over €320 if the gap holds across age bands.

Adeslas does publish a full age-banded tariff publicly, which gives useful transparency. ASISA's pricing should be confirmed via personalised quote for your age band, as from-prices can vary. Neither policy includes dental cover, so both are comparable on that point.

Adeslas prices from publicly published Extranjeros tariffs. ASISA from-price confirmed at quote based on age and province. *Adeslas standard max joining age is 65; above 65 is case-by-case subject to medical review. All prices subject to underwriting and current insurer tariffs.

Contract length: the most important structural difference

ASISA Health Residents is a 12-month contract, renewable annually. After each year, you are free to reassess, compare alternatives, or continue. Adeslas Extranjeros is a 36-month contract — you are committed for three full years from the policy start date, with no ability to switch or cancel in year one or year two.

For most visa applicants, this is not a trivial difference. Your needs over three years may change — you may relocate within Spain, you may want a policy with stronger English-language support as you settle in, or your health needs may evolve. ASISA gives you the freedom to reassess every 12 months. Adeslas does not.

When comparing the two on price, remember that the Adeslas price you are paying is locked for three years. ASISA can be renegotiated annually. Factor this into the full cost-of-ownership comparison before deciding.

Maximum joining age: ASISA accepts to 70

ASISA Health Residents accepts applicants up to age 70. Adeslas Extranjeros has a standard entry age cutoff of 65 — applications above age 65 may be considered on a case-by-case basis subject to medical review, but this is not a guaranteed acceptance route.

For applicants aged 66 to 70, ASISA is the appropriate choice between these two insurers. This is particularly relevant for Non-Lucrative Visa (NLV) and retirement applicants in their late 60s who are not eligible for Adeslas at standard terms.

Network: owned hospitals versus contracted breadth

This is the most interesting structural comparison between the two insurers. ASISA has a meaningful owned hospital element through its association with the HLA Grupo Hospitalario — 18 hospitals and 20 owned medical centres across Spain, with strongest presence in Madrid, Sevilla, Huelva, Cádiz, and Zaragoza. This gives ASISA a quality-controlled inpatient infrastructure that Adeslas simply does not have.

Adeslas has no owned infrastructure. Its entire cuadro médico is built from contracted relationships with third-party providers — individual GPs, private clinics, independent specialists, and major hospital groups including Quirónsalud and HM Hospitales. Adeslas does not own or manage any of these facilities. The network is large in volume, but consistency depends on each individual provider.

For applicants relocating to Madrid, Sevilla, or other cities where HLA hospitals operate, ASISA's owned hospital access is a genuine advantage for any complex inpatient care. For applicants in regions where HLA hospitals are not present, Adeslas's broader contracted network may offer more local provider options. Always check both cuadros médicos for your specific destination province before purchasing.

Repatriation: both include it

Both Adeslas Extranjeros and ASISA Health Residents include repatriation cover as part of the visa-compliant policy. This is an important point for Spanish visa applicants — repatriation is often listed as a consulate requirement, and knowing it is covered brings peace of mind for life abroad.

English-language support: both primarily Spanish-language

Neither Adeslas nor ASISA provides comprehensive English-language customer service or administration. Both operate primarily in Spanish. In expat-heavy areas, individual providers may speak English informally, but administrative matters — claims, authorisations, certificate requests — are handled in Spanish at both insurers.

If English-language support across the full customer journey matters to you — particularly in the early months of living in Spain — neither Adeslas nor ASISA fully meets that need. For stronger English provision, consider Sanitas (BLUA app, full English customer service) or ASSSA (multilingual, expat-focused).

Who should choose ASISA?

Who should choose Adeslas?

Summary: ASISA wins on value, Adeslas on network breadth

This is one of the clearer comparisons on the site. ASISA is cheaper at entry level, has a 12-month contract versus Adeslas's 36-month lock-in, accepts applicants to age 70 versus Adeslas's standard 65 cutoff, and has owned hospital infrastructure through HLA. On most practical criteria — price, contract flexibility, max age, and hospital ownership — ASISA has the stronger position.

Adeslas's main genuine advantage is its national contracted network breadth — it has one of the largest cuadros médicos in Spain by total provider volume. For applicants in regions or towns where ASISA's network is thinner and Adeslas's contracted network is denser, this can be a meaningful consideration. Always check both networks for your specific province before purchasing.

The honest summary: for most applicants choosing between these two specifically, ASISA offers better value — lower price, shorter contract, higher max age, and owned hospital links. Adeslas is better if your destination province has notably stronger Adeslas network coverage than ASISA. Get personalised quotes from both and check the local cuadro médico before deciding.

Frequently asked questions

Pricing shown is sourced from each insurer's own published pages and is accurate to the best of our knowledge at the time of publication. Premiums are individually underwritten and confirmed at quote stage. Always verify current terms directly with the insurer or your specialist before purchasing.